Your property, your power

Turn your property into a powerful financial tool with our loans against property. This loan lets you use your house or commercial property as security to get funds. It's a great way to get money for important needs like starting a business, education, or emergencies without selling your property. You get to keep your property while using its value to borrow money. Our loan against property comes with easy-to-handle interest rates and repayment plans that fit your budget, making it a smart choice for those who need extra funds and have property to use as security. Read more

Apply for a KBL Mortagage Loan

  • High loan limits
  • Long and comfortable repayment options
  • For personal or business needs

Apply for a KBL Suvidha Overdraft Loan

  • Short-term solutions for ease
  • Immediate access to funds
  • Instant processing and quick sanction

Apply for a KBL Home Top-up Loan

  • Large loan amounts for your home
  • Up to 120 month tenures
  • Instant processing and quick sanction

Apply for a KBL Lease & Cash Loan

  • Rent-focused financing
  • Get funds up to 80% of rent
  • Designed for property owners

Make matters simple and straightforward

A smart calculator for smart spending and savings

Home loan calculator

Loan amount
₹50,000 ₹75,000,000
Rate of interest
5% 15%
Loan tenure
1 Months 360 Months

You will pay

₹13,800/Months

Not sure which product is for you?

Let’s find the best fit together

  • No spam calls
  • Dedicated KBL experts
  • Set up a call on your time

Why choose our loans against property

Getting you where you need to go

Offers loans up to 70% of the property value for maximum leverage

Your interest is recalculated every day, reducing the total interest owed

Educated team of experts to guide you

Who can apply for loans against property

  • Individuals who are resident of India
  • Individuals at least 18 years old
  • NRIs holding an Indian passport
  • Minimum salary of ₹10,000 for salaried
  • Minimum income of ₹120,000 for businessmen and self employed
who can apply
BANKING WITH YOU

Here for you, always

24/7 support for your banking needs

  • Internet Banking

    KBL MoneyClick

  • Digital Banking

    WhatsApp banking

  • Service Branches

    Locate us

Banking with trust, expertise and care

Expanding the KBL family everyday

Mr. Sirimall Mahesh

“It was quick sanctioning and fully digital”

Mr. Sirimall Mahesh

KBL Xpress Car Loan

17 Jan,2024
Carol Dsouza

“It was very easy to use and helpful. The staff are very friendly and helpful”

Carol Dsouza

KBL Xpress Car Loan

02 Nov,2023
Mr. Shadul Umaji Yadhav

“It was like quick, hassle-free, fully digital. Outstanding and excellent.”

Mr. Shadul Umaji Yadhav

KBL Mobile Plus

02 Nov,2023
Karan Deodatta Pradeshi

“I just wanted to open a new personal account. So my business partner recommended me to open an account in Karnataka Bank and I am quite happy with my decision. They (the staff) are very kind, very supportive and they attend to you very well.”

Karan Deodatta Pradeshi

Savings Account

02 Nov,2023
Rahul Nasal

“I downloaded their mobile banking app to test out its functionality - one of the most responsive and most user friendly. It is the perfect blend of the conventional personal touch banking and the high-tech digital banking”

Rahul Nasal

Mobile Banking

02 Nov,2023

Got questions? We’ve got answers.

How does a loan against property work?

It is a loan where you use your property as collateral to borrow funds. We offer this loan for various personal or business purposes, providing a secure way to access funds. You can use both residential and commercial properties as collateral for these loans.

Both residential and commercial properties can be used as collateral. The property should have a clear title and meet our valuation criteria.

Prepayment charges may apply as per the terms and conditions of the loan. We recommend discussing this with our loan officer for detailed information.

Interest is calculated on a daily reducing balance method, which can be more beneficial compared to the traditional monthly reducing method. Check out our smart calculators to know more.

The loan offers a flexible repayment tenure of up to 120 months, allowing you to plan your finances without any pressure.

Advantages of loans against property

Loans taken against a property are secured loans where borrowers pledge their property as collateral. They can be used for a variety of purposes, including business expansion, education, medical emergencies, or other personal needs. The key advantage is the relatively lower interest rate compared to unsecured loans, as the risk to the lender is reduced by the collateral. The loan amount is typically a percentage of the property's market value, usually ranging between 40%-70%. These loans offer flexibility in terms of both the loan amount and repayment tenure, which can extend up to 15-20 years. We offer tailored solutions to meet your large funding requirements, with clear loan against property eligibility criteria and transparent loan against property interest rate. Utilize our loan against property calculator for a clear understanding of your borrowing potential and plan your finances effectively with our secured lending against property options.

The interest rates on loans against property are generally lower than unsecured loans but higher than home loans, reflecting the mixed risk profile. These rates can be fixed or floating, and it's crucial to understand how rate fluctuations can impact your repayments. When considering a loan like this, evaluate the loan-to-value ratio, interest rate, processing fees, and other charges. It’s important to have a clear repayment plan, as defaulting on the loan can lead to the loss of the pledged property.

Do assess your financial stability and ability to repay before taking the loan. Ensure that the purpose of the loan justifies the risk of pledging a property. It's advisable to have insurance on the property to protect against unforeseen circumstances. Don't underestimate the costs associated with the loan, including processing fees and potential prepayment penalties. Avoid over-leveraging your property, and always have a contingency plan for repayments in case of financial setbacks.